More and more Australians are taking to the slopes every year for their own adventure snow trip, and experienced skiers are travelling great distances around the world to find the perfect piste. But whether you are a snow sports veteran or a first-timer, having quality skiing and snowboarding travel insurance behind you is as essential as your snow gear.

Unfortunately snow sports accidents are frequent and expensive, which is why it would be mad not to pay a little bit extra to ensure that you are covered for large helicopter rescues and medical and hospital bills.

Taking out snowboarding and skiing travel insurance with Insure4Less couldn’t be easier – the quote system will ask you if you want cover for snow sports, and if you select yes, then your policy will be extended to include medical expenses whilst skiing or snowboarding. And, unlike most other insurers, we can also extend cover to include off-piste sports in countries other than North America and Canada.

No one likes to think about the worst that could happen while you’re away – but the smart thing to do is be prepared for it anyway. Simply fill out our Quick Quote form to the right for quality and cheap travel insurance that will cover you for your snow sports adventures and activities.

Snow Boarding

What Is and Isn’t Covered

At Insure4Less we provide high quality, budget travel insurance to cover you for your amateur participation in a huge range of snow sports. Curling, tobogganing and recreational ice-skating are automatically covered under our standard travel insurance policy, but if you are planning to participate in any other types of snow sports then additional skiing and snowboarding travel insurance is highly advised.

This additional snow sports premium will cover you for:

  • Back country skiing and snowboarding*
  • Biathlon (ski)
  • Snowcat skiing and boarding*
  • Cross country skiing
  • Glacier skiing
  • Glacier walking
  • Snow monoskiing
  • Ski randonee*
  • Ski touring*
  • Skiing (snow, on piste)
  • Skiing (off piste)*
  • Snowblading
  • Snowboarding (on piste)
  • Snowboarding (off piste)*

*Please note, these particular activities are covered everywhere except North America and Canada, and you will need to select ‘off piste’ cover when taking out the policy.


All these snow sports and activities are covered for the dates that you enter as when you plan to participate in these sports, and these dates must be shown in your certificate of insurance.

Cover is not available for the following snow sports:

  • Competitive skiing, snowboarding, snow blading or skibob racing
  • Ski jumping
  • Ice hockey
  • The use of skeletons or bobsleighs

Please see our Product Disclosure Statement for all the details about our snowboarding and skiing travel insurance. If you have any questions, check our Frequently Asked Questions or email us at and we will get back to you within one business day.

Snow Holiday

Purchased an Annual Multi Trip Insurance Policy?

If you take out an annual multi trip travel insurance policy, then you have 23 days of snow sports cover per year automatically included. This covers you for all on piste activities only, and you are not required to enter the dates that you plan to participate in any snow sports.

Important Definitions

It’s vital that you make sure you consider and understand the terms and definitions of your snowboarding and skiing travel insurance plan, especially when it comes to taking part in risky activities on the snow.

The major definition to keep in mind is ‘off piste’. Skiing or snowboarding off piste refers to when you are going in ungroomed and unmarked slopes and pistes, including unmarked and/or unpatrolled areas, and anywhere outside the boundaries of the ski resort.

At Insure4Less we are proud to provide cheap travel insurance options for off piste activities, so that no matter how high a thrill you’re seeking, you’ll be looked after if something goes wrong.

It’s absolutely critical however, that you always take steps to ensure your safety when snowboarding or skiing off piste. Going with a fully qualified local guide is highly recommended, but at the very least, you should go with a competent travelling companion and make sure a third party knows where you plan to be on that particular day. You should never ski or snowboard off piste alone.

You must always check and adhere to local resort advice, information and instructions, and follow any signs or instructions on the mountain. For example, if a section is marked ‘closed’ then it is for a very good reason, and ignoring any warnings such as this is not only extremely dangerous but may also invalidate your cover if something happens as a result.

Local advice and information will vary between resorts and countries. In many parts of North America, going anywhere out of the resort boundaries is considered hazardous and doing so is breaking the local law, so wherever you are travelling, it is your responsibility to ensure you are following the necessary laws and safety instructions.

Top Tips: Preparing for Your Snow Trip

With your skiing and snowboarding travel insurance organised for your overseas snow trip, the fun can now begin! If you’ve never been to the snow before, there a number of things you need to keep in mind when packing and organising for your trip to make sure you’ll be properly prepared for whatever the cold weather throws at you.

Here are our top tips for getting the most out of your snow trip:

Get in shape

Skiing and snowboarding can be gruelling on your body, especially if you’re not very fit or don’t exercise regularly at home. It’s highly recommended that you prepare for the toll of snow sports by getting in shape before your trip.

Consider joining a gym, or make small lifestyle changes to help boost your heart rate every day. Take the stairs instead of the elevator, walk wherever you can instead of driving, or go for a jog or cycle on the weekend. Increasing your fitness before you hit the slopes will improve your endurance, ability and enjoyment on the snow!

Packing the essentials

Unless you’re an experienced snowboarder or skier with your own equipment, you’ll probably want to hire your gear at the slopes to avoid packing and carrying heavy, awkwardly-shaped items in your luggage. What you should pack and bring with you are the basics: thermals, hats, gloves, goggles or sunglasses, and as many layers as you can fit in your suitcase.

Sunscreen and lip balm with SPF protection are also important, because despite the cold, the sun will reflect off the snow and can burn your skin just as quickly as if you were on a beach.

The right snow gear

Whether you’re a beginner or advanced, having good quality, properly fitted snow gear is a must. For your first time on the slopes, the qualified resort staff will be able to set you up with the right equipment for your level to make sure you’re safe, correctly fitted out and ready to enjoy the snow.

You’ll get boots and a helmet that fit well, bindings that hold your feet in the right position, and skis or a snowboard with smooth bottoms and sharp edges for optimum performance and ease.

Be prepared for early mornings

Try not to have too many late nights, because most ski and snowboard classes start early in the morning. This is the best time to hit the slopes because the snow is fresh and untouched, so it’s not unusual to see some of the bigger snow enthusiasts up at the crack of dawn!

Classes will generally go for a couple of hours, and ski lifts usually start to close around 4-5pm so there’s plenty of time for you to make the most of the day on the snow. Just expect to be very tired and very sore at the end of the day, so try and get plenty of sleep and don’t push yourself too hard at night.

Know your limits

The slopes can be dangerous if you don’t stick to those designed for your experience level. So be realistic about your ability, and if you’re just starting out don’t stray from the beginner slopes until you’ve built up more skill and experience.

Your safety is of the utmost importance on the snow. Other important things to remember (especially for a novice skier or snowboarder) include not to go beyond the boundaries of the slopes, always make sure you have a friend with you, and follow general snow sports etiquette by giving way to skiers and boarders in front of and below you.

Most Importantly...

Keep safe and have fun on the slopes! If you need to make a snowboarding and skiing travel insurance claim, follow the simple steps on our Claims page for 24/7 medical assistance anywhere in the world.

Quick Quote




Destination & Type of Cover Complete!

What type of cover are you looking for?

Single trip: Covers trips of up to a total of 365 days in total inc one way travel. Cover for snow sports activities can be included.

Annual multi trip: Covers you for an unlimited number of trips over a 12 month period up to a maximum duration of 31, 45, 62 or 93 days per trip after which you must return to Australia before commencing a new trip. Trips wholly within Australia are insured if they include at least one overnight stay and a minimum distance of 250kms from your place of residence. Each policy includes up to 23 days snow sports cover (on piste). If you are travelling over 93 days, please select a standard, single trip travel insurance quote.

Policy Type

Where are you travelling to?

Please select the region where you are travelling to: The countries covered under each region will appear when you select the region.

Travelling To

How many people should be covered?

Please select whether you are travelling as an individual, with your partner / friend (couple) ; as a family group where one of the children is under 18 years; as a group.


Maximum Trip Length

Travel Dates Complete!

I'd like my cover to start on

Please select the day that you commence your trip. You will be covered for claims that result in you having to cancel your trip before this date and therefore forfeit deposits paid - subject to the policy terms and conditions.

Cover Start Date

Cover Start Date

And it should end on

Please select the date that you plan to return back into Australia or if you are on a one way trip - the date that you will arrive in your final destination.

Cover End Date

Travellers planning to stay in the United States (not Canada) for 365 days or more: Following recent healthcare reforms in the United States we are unable to insure travellers who are planning to be in the United States (not Canada) for 365 days or more.

Cover End Date


Will you be travelling to countries outside of the USA & Canada?

If you plan to visit the USA or Canada more than once during your trip, please calculate the total number of days you will be there. Then enter the date leaving USA or Canada as the total number of days from the date arriving.

For example: You will be in the US from 1st March to 31st March (31 days) and 10th October to 26th October (17 days) = 48 days in total. So you would have a start date of 1st March and an end date of 17th April. Ie 48 days. You will receive your certificate in an email, so simply reply to the email advising the correct dates of travel within USA or Canada and we will endorse the policy accordingly.

Following healthcare reforms in the US we cannot insure travellers who are planning to stay in the USA (not Canada) for 365 days or more.

Date arriving in USA/Canada

Date leaving USA/Canada

Travellers Complete!

In order to obtain the best value, you should include a least one adult in each policy. The maximum number of travellers we can insure under one quote/policy is 50. If you have more than 50 then you should obtain more than one quote but ensuring that there is an adult in each subsequent quote.

Please note that ages are at the date of obtaining the quote, not the date of travel.

Traveller's Age

We can insure travellers up to and including 75 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.


We can insure travellers up to and including 75 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Traveller's Age

We can insure travellers up to and including 75 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 21 to 35 years

Adults 36 to 50 years

Adults 51 to 55 years

How many people should be covered?

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 56 to 60 years

How many people should be covered?

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 61 to 65 years

Adults 66 to 70 years

Adults 71 to 75 years

Children under 21 in a family

Other children under 21 years

For more info see our FAQs and Product Disclosure Statement.